FREEDOM251

Freedom251 › Finance & Accounting

Free and open first

Best Personal Loan Apps in 2026

Personal loan apps connect borrowers with personal-loan options through mobile apps, websites, or related services. This list is for people comparing borrowing tools on a budget.

  1. 1

    Monzo

    Free plan AndroidAPIiPhone+1

    Monzo combines a current account with budgeting, savings, investment, and travel features, and offers around-the-clock in-app support.

    7.2 Free plan · paid from £3/mo Visit site
  2. 2

    SoFi

    by SoFi
    Free plan AndroidiPhoneMac+2

    SoFi combines banking, investing, account tracking, and financial guidance, with a free Coach option for eligible members. Check regional availability for the specific products you need.

    7.0 Free plan · paid from $10/mo Visit site
  3. 3

    Borrowell Personal Loans

    Free plan Web
    6.4 Free plan Visit site
  4. 4

    MoneyLion Personal Loans

    Free plan AndroidiPhoneWeb
    6.2 Free plan Visit site
  5. 5

    Credible Personal Loans

    Free plan Web
    6.1 Free plan Visit site
  6. 6

    Fiona Personal Loans

    Free plan Web
    5.9 Free plan Visit site
  7. 7

    Loan Compass

    Free plan Web
    5.8 Free plan Visit site
  8. 8

    Quid Personal Loan

    Free plan AndroidWeb
    5.8 Free plan Visit site
  9. 9

    Capitec Personal Loan

    Paid AndroidiPhoneWeb
    5.0 Visit site
  10. 10

    ING Personal Loan

    Paid AndroidiPhoneWeb
    4.8 Visit site
  11. 11

    Kotak811 Personal Loan

    Paid AndroidiPhoneWeb
    4.8 Visit site
  12. 12

    African Bank Personal Loan

    Paid AndroidiPhone
    4.7 Visit site
  13. 13

    Billease Personal Loans

    Paid AndroidiPhone
    4.7 Visit site
  14. 14

    Credit Direct Personal Loans

    Paid AndroidiPhone
    4.7 Visit site
  15. 15

    Fundo Personal Loan

    Paid AndroidiPhoneWeb
    4.7 Visit site
  16. 16

    Branch Personal Loans

    Paid Android
    4.6 Visit site
  17. 17

    CIMB Personal Loan Philippines

    Paid AndroidiPhone
    4.6 Visit site
  18. 18

    FairMoney Personal Loans

    Paid AndroidiPhone
    4.6 Visit site
  19. 19

    Kuda Loans

    Paid AndroidiPhone
    4.5 Visit site
  20. 20

    Nedbank Personal Loan

    Paid AndroidiPhoneWeb
    4.5 Visit site
  21. 21

    Maya Personal Loan

    Paid AndroidiPhone
    4.4 Visit site
  22. 22

    MoneyTap Pakistan

    Paid AndroidiPhone
    4.4 Visit site
  23. 23

    Prefr Instant Personal Loan

    Paid AndroidiPhoneWeb
    4.4 Visit site
  24. 24

    Monevo Personal Loans

    Paid Web
    4.3 Pricing on request Visit site
  25. 25

    PSBank Flexi Personal Loan

    Paid AndroidiPhoneWeb
    4.3 Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

Check whether a tool has a free plan or trial, and review its terms before applying. If reading or changing code matters, check the licence. Compare loan amounts, APR, origination fees, prequalification, loan purposes, supported platforms, and mobile-app availability.

Questions

Are free personal-loan apps listed?

Yes. A free plan is offered by items on this list. Check the pricing note and terms to see what the free option covers.

Do any listed tools offer a free trial?

Yes. A free trial is offered by items on the list. Review its duration, limits, and billing terms before starting.

Which platforms do these tools support?

Platforms represented include Android, iOS, web, macOS, Windows, and API access. Mobile-app availability is shown separately.

Can I compare prequalification?

Yes. Prequalification is one of the comparison fields. Check the individual listing for its stated availability and terms.

What loan amounts are shown?

Billease Personal Loans lists ₱500–₱50,000. CIMB Personal Loan Philippines lists PHP 30,000–PHP 1,000,000. Other ranges may differ.

More in Finance & Accounting